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Ritz Carlton Credit Card? Keep or Cut?

Keep or Cut?


The Ritz Carlton Credit Card brings many benefits…and not just for the elite either.

In the early part of this year, Ritz Carlton offered 140k points for a sign-up bonus for their premier credit card from Chase.

Everyone jumped on this opportunity.

The credit card did come with a $395 yearly fee that had to be paid right away and could not be waived.

Now, for many of those folks who signed up, they are facing the “keep or cut” conundrum.

The Ritz Carlton Credit Card has incredible benefits, especially the ability to claim $300 in upgrade fees to be credited to your account each year.

More on the primary benefits (according to their website):

The Ritz Carlton Credit Card Rewards

Earn more Ritz-Carlton Rewards with every purchase* and get more of the rewards you want, including complimentary stays, upgrades and travel packages. You can even convert your points into miles transferable to 33 airline partners.

5 Ritz-Carlton Rewards points per $1 spent at any participating Ritz-Carlton hotel, or our worldwide partner hotels including JW Marriott®, EDITION® Hotels, Autograph Collection® Hotels, Renaissance® Hotels and Marriott Hotels & Resorts ®.

2 Ritz-CarltonCredit Card Rewards points per $1 spent on airline tickets purchased directly with the airline, and at car rental agencies and restaurants.

1 Ritz-Carlton Credit Card Rewards point per $1 spent on all other purchases

Plus, you get a 10% Annual Points Premium, bonus points made on purchases using the Ritz Rewards Card during the annual year for the cardholder.

Not to mention the Gold Elite and Platinum Elite status brackets that one can hit, as well as the point redemption and exclusive events for cardmembers that come along with being a cardholder, what’s not to love about the Ritz card?

Although I’m not personally a huge fan of spending on yearly fees for credit cards, I have to say, the Ritz is too good a card to pass up. The $395 pays for itself.

For me, I believe I’m going to be keeping this card for years to come.

Are you a cardholder? What are your thoughts? Share your experiences with this card and why or why you wouldn’t keep it below.

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